Credit Awareness Week 2020 | Credit Strategy | 16 March 2020 | London, UK

Credit Strategy teamed up with Experian to help redress the knowledge gap through our Credit Awareness Week campaign.

Aimed at encouraging consumers to gain more control over their finances, two major pieces of research were unveiled in 2019 as well as the Pathfinder tool which is a guide to what people can do if they are refused credit.

What are we doing?

We’re trying to help people become more aware about how lenders assess your credit worthiness – what’s important and what isn’t.

Here you will find a guide that provides simple steps to help people understand their credit score and take simple steps, to improve it. We also want to debunk the myths we uncovered in a survey of consumers about credit scores and how decisions are made by lenders over whether to accept applications for mortgages, loans and credit cards. The guide is designed to help consumers help themselves.

Ultimately, we’re trying to help you get the best possible deal, when you apply for a loan, mortgage or credit card.

Experian’s research shows the degree to which people are taking control of their finances by shopping around and switching to cheaper deals to help make their money go further. Credit awareness helps people stay in control of their spending and borrowing, and to manage their money successfully.During Credit Awareness Week, we also provide consumers with a toolkit called Pathfinder that takes them through simple steps for what to do next, when their application for a loan, mortgage or credit card has been refused.

Behind the scenes we are working to convince lenders to give consumers better, clearer information, when they refuse a consumer’s application for a mortgage, loan or credit card. If you are a lender or third party supplier connecting with consumers, we encourage you to place this tool on your website to help your customers navigate this confusing terrain in the credit decisioning process.

We look forward to working further with the industry to enable consumers to increase their understanding of all things credit. Do get in touch if your firm could help with any of the aims of the week or promote the Credit Awareness Week site badge through your own press and marketing channels.

2020 Speakers

BRUCE CURRY
Principal Consultant, FICO

JONATHAN DAVIDSON
Director of Supervision, FINANCIAL CONDUCT AUTHORITY

JOANNA ELSON CBE
Chief Executive, MONEY ADVICE TRUST

ADAM FREEMAN
Chief Executive Officer and Founder, MR LENDER

IAN PARRY
Founder - Future Leaders, THE UTILITIES MENTORING NETWORK

SAUL CHAMBERS
Senior Conference Production Manager, CREDIT STRATEGY

KATHERINE BAILEY
Group Credit, Risk and Compliance Manager, VALOR HOSPITALITY EUROPE LTD

DAVE PICKERING
Head of Integration and Transformation Risk Oversight, VIRGIN MONEY

DAWN STOBART
Director of External Affairs, CHRISTIANS AGAINST POVERTY (CAP)

NICHOLAS BEAL
Chief Regulatory & Public Affairs Officer, AMIGO LOANS

YVONNE FOVARGUE
Chair, MP, DEBT AND PERSONAL FINANCE, ALL-PARTY PARLIAMENTARY GROUP

SIMON GREEN
Head of mortgage credit risk, LLOYDS BANKING GROUP

CYRILLE SALLÉ DE CHOU
Chief Risk Officer, HSBC

ATUL VADHER
Credit Management Consultant, VALOR HOSPITALITY EUROPE LTD

STEVEN COPPARD
Deputy direct, government debt management, CABINET OFFICE

GARY GREY
Head of Collections, SPARK ENERGY

NICHOLAS HARDING
CEO, LENDING WORKS

JAMES TEBBOTH
Chief Credit Officer, NATIONWIDE BUILDING SOCIETY

DENISE CROSSLEY
CEO, LANTERN

VICTORIA STUBBS
Chief Risk Officer
THE CAMBRIDGE BUILDING SOCIETY

EVAN DAVIS
Broadcaster, CREDIT WEEK 2020 BROADCASTER ACCOUNT

PHIL RICE
Head of Credit, AGGREGATE INDUSTRIES

OLLY BETTS
Co-Founder, OPENWRKS

ANNA HARRY
Head of Marketing, EXPERIAN

DAVID POOLE
Chief Risk Officer, BRIGHTHOUSE

EMMA STEELEY
CEO, ACCOUNTSCORE

RICHARD WILSON
Group Chief Credit Officer, ONESAVINGS BANK PLC

STEVE BANKS
Head of Home & Business Credit Risk, NPOWER

ROB MAYER
Head of Collections Strategy and Business Improvement, BRITISH GAS

MARTIN KIRBY
Head of Credit Risk and Collections, BUSINESS STREAM

MICHELLE ATKINSON
Head of Income, UNITED UTILITIES PLC

JASON WASSELL
CEO, CONSUMER FINANCE ASSOCIATION

GARETH MCNAB
Money Advice Liason Manager & Open Banking for Good Engagement Lead, NATIONWIDE BUILDING SOCIETY

JONATHAN WESTLEY
Chief Data Officer, EXPERIAN

SIMON HOWELL
Senior Manager of Credit Management, TARMAC

SHERAZ AFZAL
Chief Risk Officer, THE MONEY SHOP

KAREN TAYLOR
General Counsel, ELEVATE CREDIT INTERNATIONAL

KEVIN SHAW
Strategy and Engagement Manager (Creditors), MONEY & PENSIONS SERVICE

KARL-MAGNUS WADSACK
Account Director, EQUIFAX

STEVE GRICE
Managing Director, ELEVATE CREDIT INTERNATIONAL

JAMES JACKSON
CEO, AUTO SERVICE FINANCE

DENNIS BERG
Senior Manager Vulnerability and Consumer Policy, OFGEM

REBECCA DIBB-SIMKIN
Marketing Director, OCTOPUS ENERGY

ALEX RUSSELL-RUTHERFORD, CCXP
Customer Experience Manager, WESSEX WATER

SUE CHAPPLE
Interim Chief Executive, CHARTERED INSTITUTE OF CREDIT MANAGEMENT

NATALIE TRIST
Chief Credit Officer, MONEYBARN LTD

MIKE RANDALL
CEO, SIMPLY

ANDY TRIMMER
Head of Technology, SIMPLY

PENELOPE CLARKE
Head of Credit Risk Compliance and Conduct Risk, VODAFONE

DAVID SHRIMPTON
Director of Customer Experience, MONEYBARN

YLVA OERTENGREN
Chief Operating Officer, SIMPLY

NICK KING
Director of Credit Management & Collections EMEA, AGILITY

LAURAL JEFFERIES
Governance CICM, Credit Executive, FASHION EDGE LTD

DIPTENDU KHAN
Chief Risk Officer, TANDEM BANK

JADE KIRK
Head of Vulnerability, ROBIN HOOD ENERGY

ALEX MARSH
Senior Analytics Director, KLARNA AB

RACHEL RYAN-CRISP
Affordability and Vulnerability Lead, SOUTHERN WATER

LUKE ENOCK
Chief Executive, OAKBROOK FINANCE

GEORGE BADEJO-ADEGBENGA
Chief risk officer and legal counsel, LOANS 2 GO

HARRIET REES
Head of Data Science, STARLING BANK

2020 Sponsor:

• Experian